| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| HAYS COMPANIES, INC.3 | 80 SOUTH 8TH STREET, SUITE 700 MINNEAPOLIS, MN 55402 | SUN LIFE ASSURANCE COMPANY OF CANADA | $422 | $16K | $16K | 2.12% |
| HAYS COMPANIES, INC.3 | 1125 17TH STREET, SUITE 400 DENVER, CO 80202 | SUN LIFE ASSURANCE COMPANY OF CANADA | $360 | $0 | $360 | 0.05% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| CIGNA HEALTH AND LIFE INSURANCE COM EIN 59-1031071 NONE | Participant communication; Direct payment from the plan; Non-monetary compensation; Claims processing; Contract Administrator; Other services; Float revenue; Named fiduciary Service code 12 | — | $750K |
| WEB BENEFITS DESIGN CORP WEB DESIGN | Other services Service code 49 | 472 WEST SAND LAKE ROAD ORLANDO, FL 32819 | $123K |
| DENISE BOWMAN NONE | Employee (plan) Service code 30 | 250 S. 22ND AVENUE BRIGHTON, CO 80601 | $92K |
| THE HAYS GROUP EIN 41-1784898 NONE | Insurance agents and brokers; Insurance services; Consulting fees Service code 22 | — | $90K |
| TIFFANY HERRON NONE | Employee (plan) Service code 30 | 8343 UNION COURT ARVADA, CO 80005 | $81K |
| MICHELL THOMPSON NONE | Employee (plan) Service code 30 | 13925 W. 6TH AVENUE ARVADA, CO 80004 | $64K |
| ROSIE MONSIVAIS NONE | Employee (plan) Service code 30 | 1512 KEMPTON STREET LONGMONT, CO 80501 | $62K |
| CIGNA BEHAVIORAL HEALTH, INC. EIN 41-1648670 NONE | Contract Administrator; Participant communication; Direct payment from the plan; Claims processing Service code 12 | — | $24K |
| RETIREMENT PLANNING SERVICES, INC. EIN 84-1096179 NONE | Contract Administrator; Claims processing Service code 12 | — | $11K |
| EIDE BAILLY LLP EIN 45-0250958 NONE | Accounting (including auditing) Service code 10 | — | $8K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 1,261 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,261 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | VISION SERVICE PLAN | 1,115 | $208K |
| Life insurance | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,261 | $758K |
| Long-term disability | SUN LIFE ASSURANCE COMPANY OF CANADA | 1,261 | $758K |
| Stop-loss / reinsurancereinsurance | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,648 | $1.9M |
| Other(2 contracts, 2 carriers) | CIGNA HEALTH AND LIFE INSURANCE COMPANY AND AFFILIATES | 2,648 | $2.6M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 2,648 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Total premium grew more than 20% over prior year. Renewal pain — prime candidate for re-shopping the carriers.
Broker comp is under 1% of premium on a >$1M plan. Plan may be flying solo or paying a flat fee — consultant sales target.